Finance, Hacking & Cybercrime: Pagamen & Sicurezza Ulmi ... · modelli di business dell'Underground Economy Raoul Chiesa President, Security Brokers SCpA ... Compendio di criminologia,

©2014-2017RaoulChiesa,SecurityBrokersSCpASalonedeiPagamenB2017,24Novembre2017–MILANO


Finance,Hacking&Cybercrime:PagamenB&Sicurezza

UlBmiapproccitecnologicienuovimodellidibusinessdell'UndergroundEconomy

RaoulChiesaPresident,SecurityBrokersSCpA


Disclaimer

●  Theinforma,oncontainedwithinthispresenta,ondonotinfringeonanyintellectualpropertynordoesitcontaintoolsorrecipethatcouldbeinbreachwithknownlaws.

●  The sta,s,cal data presented belongs to the Hackers ProfilingProjectbyUNICRIandISECOM.

●  Quotedtrademarksbelongstoregisteredowners.●  Theviewsexpressedarethoseoftheauthor(s)andspeaker(s)and

do not necessary reflect the views of UNICRI or others UnitedNaBonsagenciesandins,tutes,northeviewofENISAanditsPSG(Permanent Stakeholders Group), neither Security Brokers, itsAssociatesandAssociatedCompanies,andTechnicalPartners.

●  Contentsofthispresenta,oncannotbequotedorreproduced.


Agenda

§  Cybercrime§  Evolvingscenariosinthecounter-fraudBankingEnvironments:somereal-lifeexamples§  Cards§  POS§  NFC

§  Conclusioni§  ReadingRoom§  Contacts

Agenda


Introd

ucBo

ns


Ilrelatore§  President, Founder, The Security Brokers §  Indipendent Special Senior Advisor on Cybercrime @ UNICRI (United Nations Interregional Crime & Justice Research Institute) §  Former PSG Member, ENISA (Permanent Stakeholders Group @ European

Union Network & Information Security Agency) §  Founder, @ CLUSIT (Italian Information Security Association) §  Steering Committee, AIP/OPSI, Privacy & Security Observatory §  Board of Directors, ISECOM §  Board of Directors, OWASP Italian Chapter §  Cultural Attachè. Scientific Committee, APWG European Chapter §  Board Member, AIIC (Italian Association of Critical Infrastructures) §  Roster of Experts, ITU (International Telecommunication Union) §  Supporter at various security communities


Cybe

rcrim

e


Cybercrime:ModusOperandi(MO)


Evolvingscenariosinthecounter-fraudBankingEnvironments


Evoluzionedel«perimetro» Nelmondodell’Informa,onSecuritysichiama«evoluzionedelperimetro». E’laconseguenzadell’evoluzionetecnologicaedell’impa_odellac.d.«DigitalSociety»sulmondodelbusiness: BYOL(BringYourOwnLaptop) BYOD(BringYourOwnDevice) RemoteWorking RemoteCo-Working SocialNetworksCloud …………


L’anB-frodedinuovagenerazione  Allostessomodo,ilmondobancariohadovutorivedereipropriapproccianBfrode.  Oggiè:

  (molto)rarocheaZackersviolinoisistemimainframe;  (abbastanza)rarocheavvenganoviolazioniaggirandoisistemididifesaperimetralepos,inessere(Firewall,xIDS,etc).

  E’all’ordinedelgiornocheTTP(third-trustedparty)venganoviolateascapitodell’is,tutobancarioefinanziario,comeadesempioiCardProcessingCenter(gliesempisonopurtroppodecineedecine).  E’all’ordinedelgiornocheilclientefinaledell’is,tuzionefinanziariavengaviolato(malware,trojan,keyloggers,botnet,etc)  E’all’ordinedelgiornochedisposiBvia_endededuna_ended,qualiPOSeTotemdipagamento,venganocompromessiediflussidicartedicredito/debitointerceZa,.


Bot ID: 59123a946d2d6ff7af589b1dcf9881e719161db4 Botnet: JUDY Version: 58

OS Version: Seven x64,SP 1,Lang 1040,ProductType 3,Build 7601 Computer ID UTENTE-PC_05227AE9F7A667719588FBC19FEDF31A

GMT: +1:00 Time start system 00:00:22

Local time 17.03.2014 18:39:51 Report time: 17.03.2014 18:10:09

Country: IT IPv4: 151.xxx.xxx.xxx

Comment for bot: - In the list of used: No

Process name: C:\Program Files (x86)\Internet Explorer\IEXPLORE.EXE User of process: Utente-PC\Utente

Enviroment "C:\Program Files (x86)\Internet Explorer\IEXPLORE.EXE" SCODEF:1484 CREDAT:996370 /prefetch:2 PID 2188 Level 3

Time process 17.03.2014 17:38:31 Lang process 1040

Source: https://youwebcard.bancopopolare.it/WEBHT/cc/movimentiConto.do https://youwebcard.bancopopolare.it/WEBHT/cc/movimentiConto.do Referer: https://youwebcard.bancopopolare.it/WEBHT/homepage.do

User input: 6481121029866388207861 POST data:

compilazione=S

codContoCorrente=001%7C2180%7C2180002578

E-banking(botnet)


Cards,POS,NFC


Cards,POS,NFC


X

Cards,POS,NFC


Cards,POS,NFC


Cards,POS,NFC


JackPOS,«primigiornidivita»


Cards,POS(Totem),NFC







 ANSA,29seZembre2014hZp://www.ansa.it/sito/no,zie/tecnologia/soeware_app/2014/09/29/parcheggi-e-biglieZerie-nuovo-obiegvo-hacker_8c6b810d-c10e-45b7-9fd0-839bff92b5b0.html


Cashout


Cards,POS,NFC

La beffa dei pagamenti con il cellulare all'avanguardia sì, ma facili da hackerare

La fretta di introdurre i sistemi Nfc, che permettono di pagare con lo smartphone nei negozi, ha aperto una falla di sicurezza: i dati non vengono crittografati e quindi si possono rubare. Ma non è un problema dell'Nfc, garantiscono gli esperti. E in Italia siamo al sicuro, solo perché ancora non sono attivi questi servizi.

By la Repubblica.it - Tecnologia, 7 agosto 2012

http://www.repubblica.it/tecnologia/2012/08/07/news/rischi_pagamenti_nfc-40330153/?ref=fbpr


Cards,POS,NFC


Cards,POS,NFC


Cards,POS,NFC


Cards,POS,NFC


Mass-CardingLalimitazioneall’importopagabilemedianteNFCpotrebbecausareunaso_ovalutazionedelproblema.Inrealtà,propriograzieallaspintadatadalmarke,ngedallepromozioniperinvogliarel’utenteapagareconlacartaNFC,sipossonodisegnarescenaricriminosidi«Mass-Carding»econseguenteindustrializzazionedelcash-out.D’altr’onde, basta leggere un libro come«Kingpin» (Kevin Poulsen, Hoepli editore) perrendersi conto di come i modelli «classici» dicash-out si applicano perfe_amente anche ai«dump» di carte NFC-based, senza dovercomprome_ereilleZoreNFC(POS,etc).


Modellocriminosoperilcash-outmassivo

A_acker

(setupdimini-PCconbaZeriaalungaduratae/oalimentazionedireZa,celatonellevicinanzedei

targetNFC)

TargetNFC

(BiglieZerieautoma,cheNFC,POSNFCpresen,in

luoghiadaltafrequentazione,po

Autogrill,ChefExpress,McDonald’s,librerie,etc)

ExploitaBon

(collec,ngautoma,coemassivodiPANdacartedi

credito/debitoNFC,anchesenonu,lizzateperil

pagamentodeiservizi)

Cash-out

(u,lizzodeiPANeda,intestataricarteperacquis,on-linedibenierivenditadeglistessii.e.E-bay;

NOTA:nonserveilCVV)


Conclusioni


Conclusioni

§  IlmondobancariodeveeffeZuareunfortecambiodivisione,ponendol’aZenzioneversonuove,pologiediservizidiinformazione,chesipongonoatotalesupportodell’an,frode«classica».

§  IlClientevadifesooltreilclassico«perimetro»bancario.§  MaicomeoggièessenzialeessereunpassoavanBalCybercrime.§  Ibeneficiperl’is,tutobancariopossonoesseremolteplici:

§  Immagine§  Prevenzionefrodi§  NonsuperamentodelteZocopertodall’insurance§  ………..


Readingroom/1● SpamNaBon,BrianKrebs,2014

● Kingpin:lastoriadellapiùgranderapinadigitaledelsecolo,KevinPoulsen,Hoepli,2013

FatalSystemError:theHuntforthenewCrimeLordswhoarebringingdowntheInternet,JosephMenn,PublicAffairs,2010

● ProfilingHackers:theScienceofCriminalProfilingasappliedtotheworldofhacking,RaoulChiesa,StefaniaDucci,SilvioCiappi,CRCPress/Taylor&FrancisGroup,2009

● H.P.P.QuesBonnaires2005-2010

● StealingtheNetwork:Howto0wnaConBnent,(anIdenBty),(aShadow)(V.A.),SyngressPublishing,2004,2006,2007

● StealingtheNetwork:Howto0wntheBox,(V.A.),SyngressPublishing,2003

● Underground:TalesofHacking,MadnessandObsessionontheElectronicFronBer,SueleZeDreyfus,RandomHouseAustralia,1997

● TheCuckoo’sEgg:TrackingaSpyThroughtheMazeofComputerEspionage,CliffordStoll,DoubleDay(1989),Pocket(2000)

● MastersofDecepBon:theGangthatRuledCyberspace,MichelleStalalla&JoshuaQuinZner,Harpercollins,1995

● KevinPoulsen,SerialHacker,JonathanLiZman,LiZle&Brown,1997

● Takedown,JohnMarkoffandTsutomuShimomura,Sperling&Kupfler,(HyperionBooks),1996

● TheFugiBveGame:onlinewithKevinMitnick,JonathanLiZman,LiZle&Brown,1997

● TheArtofDecepBon,KevinD.Mitnick&WilliamL.Simon,Wiley,2002

● TheArtofIntrusion,KevinD.Mitnick&WilliamL.Simon,Wiley,2004

● @Large:theStrangeCaseoftheWorld’sBiggestInternetInvasion,CharlesMann&DavidFreedman,Touchstone,1998


Readingroom/2● TheEstoniaa_ack:Ba_lingBotnetsandonlineMobs,GadiEvron,2008(whitepaper)● Whois“n3td3v”?,byHackerFactorSolu,ons,2006(whitepaper)● Mafiaboy:HowIcrackedtheInternetandWhyit’ssBllbroken,MichaelCalcewithCraigSilverman,2008● TheHackerDiaries:ConfessionsofTeenageHackers,DanVerton,McGraw-HillOsborneMedia,2002● Cyberpunk:OutlawsandHackersontheComputerFronBer,Ka,eHafner,Simon&Schuster,1995

● CyberAdversaryCharacterizaBon:audiBngthehackermind,TomParker,Syngress,2004● InsidetheSPAMCartel:tradesecretsfromtheDarkSide,bySpammerX,Syngress,2004● HackerCracker,EjovuNuwerewithDavidChanoff,HarperCollins,2002● Compendiodicriminologia,Pon,G.,RaffaelloCor,na,1991● Criminalitàdacomputer,TiedemannK.,inTraZatodicriminologia,medicinacriminologicaepsichiatriaforense,vol.X,Ilcambiamentodelleformedicriminalitàedevianza,Ferracu,F.(acuradi),Giuffrè,1988

● UnitedNaBonsManualon thePrevenBonandControlofComputer-relatedCrime, in Interna,onalReviewofCriminalPolicy–Nos.43and44● CriminalProfiling:dall’analisidellascenadeldeli_oalprofilopsicologicodelcriminale,MassimoPicozzi,AngeloZappalà,McGrawHill,2001

●  DeducBve Criminal Profiling: Comparing AppliedMethodologies Between InducBve and DeducBve CriminalProfilingTechniques,TurveyB.,KnowledgeSolu,onsLibrary,January,1998● MaliciousHackers:aframeworkforAnalysisandCaseStudy,LauraJ.Kleen,Captain,USAF,USAirForceIns,tuteofTechnology

●  Criminal Profiling Research Site. ScienBfic Offender Profiling Resource in Switzerland. Criminology, Law,Psychology,Täterpro


Contacts,Q&A

Needanything,gotdoubts,wannaaskmesomething?

rc[at]security-brokers[dot]com

Thanksforyoura_enBon!QUESTIONS?

Finance, Hacking & Cybercrime: Pagamen & Sicurezza Ulmi ... · modelli di business dell'Underground Economy Raoul Chiesa President, Security Brokers SCpA ... Compendio di criminologia,

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